Financial Distributor Business Investment Opportunities

What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.

We are exclusive partners with Etisalat for lead generation and deal closures. We have a substantial retail and corporate portfolio of more than AED 100 million in gross written premiums. We have about 6,000 corporate clients and our commission ranges between 5-40% across all products. We are registered with the Central Bank of the UAE (CBUAE) as well. Although our sales have gone down we have optimized operations and increased our net profit margin in the last 2 financial years.

- The company generated USD 1M last year, 3,150,000 this year, and currently, we are generating USD 400 on a monthly basis. There has been a significant increase in the revenue since there is an increase in the policy users. - We plan to use SGB as a flagship vehicle to roll up other brokers and organically scale our existing business. Our growth strategy is an easy math formula. - We are FMOs who are typically top-level organizations that are licensed to sell health insurance products in most if not all, states. - We work with multiple agents and multiple big-name and small-name carriers all across the U. S. Almost all of an FMO’s contracts are direct with carriers, and FMOs are usually able to offer agents contracts that provide higher than street-level commissions. - We have tied up with 6 agencies who market the products. - Every time we sell a policy we generate a sale of USD 400-500. Also, generate revenue from the re-occurring payment from the user. - Our founders helped grow a prior agency from 8 to 60 agents in just 3 years and exited at USD 40M. - Majority of the revenue is generated by the sale of health insurance. - We have 5 contract-based employees. - The company need not be registered under the financial regulator of the country.

At this stage, from a technical perspective, we are prepared and have tested some marketing strategies, and have a strong team supporting it. Our company is fully equipped for scaling and improving current results. - Researched the legal side of accepting cryptocurrency payments for our group of companies, assessed risks and opportunities, conducted competitor analysis, and developed a business plan. - Developed and tested the platform and web interface for accepting cryptocurrency payments (web POS). - Pushed the system into offline businesses in Dubai, including restaurants, car rentals, private jet charters, beauty salons, and real estate agencies, and created real test cases. - Designed the product and created marketing materials. - Tested advertising in Dubai and received more than 120 requests from business owners to connect new merchants. We opened 125 business accounts and 93 POS terminals for them and 80% made at least 1 transaction. They pay 1.5% for each deposit in crypto and additionally 1% for withdrawals in AED or USD (in fiat). The biggest purchase between merchants is USD 4,900. For now, we have no revenue, but project USD 70-90k/mo in the coming months, and we plan to increase sales, development, and legal departments and pass more marketing tests – a total of up to USD 200k/mo. However, we forecast total transaction of USD 450 million at a 3% EBITDA. The strategy will be based on the planned actions of the team: - Obtaining additional licenses, and building a completely legal product structure; - Replenishment of the staff with the necessary employees. - Improving the functionality of the product; - Strict calculation, reporting, and following the business plan.

- Have 4 clients, which are leading banks and NBFCs. - We are growing Month on Month. - Generate revenue by charging a commission of 18-35% on the loan amount. - The promoter has over 15 years of experience. - We have 23 agents, 1 team leader, and 1 manager.

- Five year old company specializing in offering online payment services. - We have more than 10,000 users as of now. - Users are end customers who want to pay bills and recharge. - Promoters have 17 years of international experience in the tech and banking sectors. - Company has 4 directors with 50%, 25%, 15% and 10% split. - Business has no liability. - Revenue is generated from commissions. - Company is registered in Kerala but operations are in Bangalore. - We are still in the break-even stage as we are focussing on growth at the moment. - We are witnessing over 300% growth in revenue as we are expanding our services and location.

- We are a financial advisory company. - We have a tie-up with TATA AIA, and we are also involved with training their agents. - In just 4 months of operations we have acquired 40+ clients. - The company receives a payout on the commissions received by the agents. - We only deal with insurance policies and we also want to get into mutual funds and loans for which we are in need of funds. - Company has 3 partners with equal shareholding structure (33% each) and is debt free.